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NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028(NEWTI)Earnings, Financials & Key Ratios
NEWTI•NASDAQ
$25.27
10.7× P/E·Price updated Jun 27, 2026
AboutNewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.Show more
- EBITDA$137M+95.0%
- Net Income$61M+19.0%
- EPS (Diluted)2.36+20.4%
- Gross Margin75.29%+13.5%
- EBITDA Margin42.67%+93.0%
- Operating Margin42.46%+97.1%
- Net Margin18.78%+17.8%
- ROE17.44%-6.5%
NEWTI Price & Volume
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) stock price & volume — 10-year historical chart
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Debt-Funded Expansion Masks Structural Liquidity Pressures
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:SBA secondary market volatility
Key Thesis Takeaways
- NewtekOne is currently navigating a complex transition into a regulated financial holding company, characterized by aggressive asset growth from $1.4B in 2023Q4 to $2.9B in 2026Q1.
- While the firm maintains a gross margin of 81.9% as of 2026Q1, the reliance on gain-on-sale accounting and significant debt-funded expansion creates substantial sensitivity to interest rate volatility.
- Investors should monitor the persistent divergence between net income and operating cash flow, as the company continues to distribute dividends despite reporting a 2026Q1 free cash flow of -$91.0M.
Verdict Logic
while the 4.3% dividend yield is attractive, the company's negative free cash flow of -$91.0M in 2026Q1 and rising debt-to-equity ratio of 5.96 warrant a cautious approach regarding long-term solvency.
NEWTI Growth Metrics
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years28.59%
5 Years28.25%
3 Years34.81%
TTM-
Profit CAGR
10 Years5.41%
5 Years12.47%
3 Years23.26%
TTM27.64%
EPS CAGR
10 Years-3.36%
5 Years8.22%
3 Years20.76%
TTM24.87%
Return on Capital
10 Years3.47%
5 Years7.79%
3 Years8.63%
Last Year13.55%
NEWTI Recent Earnings
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/8 qtrs (60%)●Beat Revenue 3/8 qtrs (60%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.43-1.9%
$0.44
Rev
$46M-41.2%
$79M
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.78
—
Rev
$75M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.61-10.1%
$0.68
Rev
$73M-8.3%
$80M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.71+11.1%
$0.64
Rev
$85M+9.2%
$78M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.43vs $0.44-1.9% | $46Mvs $79M-41.2% |
| Q2 2026 | Mar 10, 2026 | $0.78 | $75M |
| Q1 2026 | Jan 29, 2026 | $0.61vs $0.68-10.1% | $73Mvs $80M-8.3% |
| Q4 2025 | Oct 29, 2025 | $0.71vs $0.64+11.1% | $85Mvs $78M+9.2% |
Based on last 8 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.27 | $324.63M | 10.71 | 1.04% | 18.78% | 17.44% | 4.33% | |
| $14.69 | $423.94M | 6.22 | 1.04% | 19.45% | 17.2% | — | |
| $15.58 | $2.92B | 8.42 | 26.97% | 50.05% | 13.18% | — | |
| $18.19 | $13.06B | 9.78 | 32.87% | 43.69% | 8.11% | — | |
| $12.59 | $3.28B | 8.87 | 42.5% | 26.91% | 5.24% | — | |
| $4.70 | $190.82M | 3.85 | 36.55% | -19.55% | -3.39% | — |
Compare NEWTI vs Peers
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NEWTI SEC Filings & Documents
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NEWTI Frequently Asked Questions
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028's revenue?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) reported $331.9M in revenue for fiscal year 2025.
How fast is NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 growing?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) grew revenue by 1.0% over the past year. Growth has been modest.
Is NEWTI profitable?
Yes, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) is profitable, generating $64.5M in net income for fiscal year 2025 (18.8% net margin).
Dividend & Returns
Does NEWTI pay dividends?
Yes, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) pays a dividend with a yield of 4.33%. This makes it attractive for income-focused investors.
What is NEWTI's return on equity?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.
What is NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028's free cash flow?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) had negative free cash flow of $434.8M in fiscal year 2025, likely due to heavy capital investments.